123 Buds Ln, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 123 Buds Ln, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,056 sqft · built 1999
Lot Size	0.508 acres (22,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Aug 2022)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5374.18.32.0269000`

Property Details

APN / Parcel Number

Primary APN	`5374.18.32.0269000`
Alternative APNs	`555822` `28159`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,056 sqft Heated Area
Gross Area	1,654 sqft
1st Floor Area	712 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,128 sqft (0.508 acres)
Lot Dimensions	215 ft deep x 88 ft wide
Porch	Slab
Porch Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	28159
Street Address	123 BUDS LN
City	CEDAR POINT
State	NC
Zip	28584-9297
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L8 BUDS RETREAT
Legal Subdivision	BUDS RETREAT
Legal Block	32
Legal Lot Number	8
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3072
Census Tract	970806

Owner

Source: Carteret County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	123 BUDS LN, CEDAR POINT, NC 28584-9297
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage RADIUS FINANCIAL GROUP INC
Aug 30, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 6, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jan 6, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Sep 15, 2003 · Amount on Record
Deed Document Number	20221778071
Deed Book / Page	1778 / 71
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	Jun 2, 2026
Property Address	123 BUDS LN, CEDAR POINT, NC 28584-9297
Document Number	0001887291
Book / Page	1887 / 291
Instrument Date	Jun 2, 2026
Instrument	20261887291
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 PIGEON LN, SWANSBORO, NC 28584-8380

Mortgage

Document Number	0001887291,
Date	Jun 2, 2026
Book Page	1887/291
Instrument	20261887291

Lender

Name	RADIUS FINANCIAL GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Aug 30, 2022
Property Address	123 BUDS LN, CEDAR POINT, NC 28584-9297
Document Number	0017780071
Book / Page	1778 / 71
Map Reference	MB 28 PG 507
Instrument Date	Aug 30, 2022
Instrument	1778071
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 47, BEULAVILLE, NC 28518-0047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 BUDS LN, CEDAR POINT, NC 28584-9297

Mortgage

Document Number	0001778072
Date	Aug 30, 2022
Instrument	1778-072

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	123 BUDS LN, CEDAR POINT, NC 28584-9297
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015660308
Date	Feb 6, 2017
Book Page	1566/308
Instrument	1566308

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.02%
Change Frequency	Annually
Min Rate At Change	2%
Index	5-Year TN
Max Rate	6%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	123 BUDS LN, CEDAR POINT, NC 28584-9297
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015630494
Date	Jan 6, 2017
Book Page	1563/494
Instrument	1563494

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	JACKSONVILLE, NC 28540

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Cedar Point Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$597,707 (-) Land $97,440 Building $500,267	$597,707 (-) Land $97,440 Building $500,267
2025	$2,742.00 (+89.76%)	$597,707 (+145.56%) Land $97,440 Building $500,267	$597,707 (+145.56%) Land $97,440 Building $500,267
2023		$243,409 Land $83,353 Building $160,056	$243,409 Land $83,353 Building $160,056
2022	$1,445.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 213 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	339 units insured incl. 126 condo units
Nearby Flood Claims	49 (1996–2022)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Ophelia, Sep 2005 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WEST CARTERET WATER CORP private · serves 19,512 people · EPA ID NC0416040
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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